I'm probably going to take heat for this, BUT...... Yes if someone owed me 10k and had enough equity in his car I would expect him to sell it to pay me. There are numerous buy here/pay here dealers. I personally believe that paying a debt is more important than driving a status symbol. Gib
Sorry for all that I am about to offend, but I have to agree with Breeze. Rubyjean has been on this board for awhile and has offered straight forward advice. Slamming on her because she works for a CC is uncalled for. True, I don't agree with some of her latter remarks they were uncalled for, but some cnetters went a little overboard as well. Sure, she shares a different opinion from many on this board, but she deals with a lot of things many of us don't deal with. Plus she offers experience and inside information. At this point can't we all let it go and move on. Dani
I see the issue has already been addressed in another thread. I am glad. (I guess it would help if I read the newer posts first and then the older posts...oh well.) Dani
xhardc0rex, Your comments in this thread are as offensive as your comments in the other thread. If you think BK is an easy, go to hell creditors, way out, you're about to get kicked right in the butt by both your attitude and living. Sassy
MBNA are indeed scam artists From my own experience, I can attest that MBNA is a scam business that sells active accounts to collections agencies, specifically Columbia Collection Services, and jack the debt up many times with added "legal fees." I had a card with MBNA for over ten years, and was making regular payments. I had paid my card down from a high of $14,000 to $5,900, and looked forward to paying off this rather high interest card. I noticed upon receiving my bank statement that my most recent payments to MBNA had not been cashed. Likewise, the checks were not returned. I called MBNA, and was transferred a few times, until I got a very hostile woman insisting I was placed in collection, and I was not to call back, and she hung up. Confused, I did call back. I was transferred back to the same woman, who angrily told me that I was ordered not to call back, and that if I continued to do so, I would be reported to the authorities, and was hung up on again. I then wrote MBNA, but never received a reply. I called around to find out how I might make payments when the creditor was refusing my checks, but to no avail. I received a few irate and incoherent collection calls, but could get nothing in writing confirming these callers actually owned he debt. I finally received a stack of legal papers from Columbia Collection Services in Sacramento, demanding the payment of $6,100 (with interest now) plus several thousand in legal fees. I immediately called to arrange payment, but they would accept nothing until I committed in writing to pay all they were asking, including the legal fees, which I refuse to pay. This has drug out for three years now, I have been prevented from making payments, as I had for years without fail, and they have increased my debt from a steep but manageable $5,900 to an impossible $14,500 plus as yet to be disclosed additional legal fees. Evidently it is not enough to collect a high interest rate on these loans, but they need to fabricate "defaults" to jack the debt to several times the initial amount to make their operation far more profitable. They are not decent people. Be warned when dealing with these scam artists.
Did you ask them to prove the debt and give you an accounting of how the balance was calculated, or did they provide that?
Sounds like LA_Writer needs to look into an FDCPA lawsuit on these guys. There could be a payday in it for him/her. If you read the FDCPA, and YOU follow the procedures but they don't, haul their butts into court and straighten them out. There IS LOTS of case law similar to what LA_Writer describes and it almost always goes in favor of the debtor.
Hey Rubyjean - what the hell is your problem about not informing the original poster of this thread about MBNA's business address and phone #? If all of MBNA'a emplyees are as unresponsive, un-cooprating like you seem to be - I hope/pray that more and more people will succeed in Chapter 7 bankruptcies which include MBNA as creditors.
